Overview

The loss of income caused by missed work due to illness, injury, or childbirth can cause serious financial hardship for your family. Disability insurance replaces a portion of your income to help you continue paying your bills and meeting your financial obligations during this time.

State Disability Insurance

The state you reside in may provide a partial wage- replacement disability insurance plan. The states currently offering state disability insurance include CA, NY, NJ, RI and HI. For more information regarding state disability programs, contact the HR Solutions Center.

Short-Term Disability

The Short-Term Disability base plan provides a benefit of 60% of your salary, up to a weekly maximum of $2,500. The optional Short-Term Disability Buy Up plan provides 70% of your salary up to a weekly maximum benefit of $3,000. The definition of salary for the purpose of disability benefits includes commissions but not bonuses.

Review the enrollment site during your enrollment period for the specific per pay period cost. You may be guided to complete an Evidence of Insurability form with Lincoln Financial Group. Benefits start on the 8th day for disability due to injury or illness and will continue as long as you remain disabled for up to 13 weeks. Proof of disability is required.

Long-Term Disability

The Long-Term Disability base plan provides a benefit of 60% of your covered monthly earnings. The maximum benefit payable is $15,000 per month. The optional Long-Term Disability Buy Up plan provides a benefit that replaces 70% of your covered monthly earnings. The maximum benefit payable is $20,000 per month. The definition of salary for the purpose of disability benefits includes commissions but not bonuses.

See ADP My Pay and Benefits for your specific per pay period costs. You may be guided to complete an Evidence of Insurability form with Lincoln Financial Group.

Benefits are payable when you have been disabled for more than 90 days. Proof of disability is required. Benefits continue until the earlier of the date you are no longer disabled or until you reach your Social Security normal retirement age.

Enrolling in Buy Up Options

If you elect buy up coverage when you are newly benefits eligible and elect within one month of when you are first benefits eligible, you may elect buy up coverage without providing Evidence of Insurability. Future elections will require satisfactory proof of good health.